Federal credit union · Stoughton, Massachusetts · NCUA charter #17437
Stoughton Town Employees
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.5M
- Total assets
- 477
- Members
- 12.2%
- Net-worth ratio
Stoughton Town Employees - Share Insurance Coverage
Charter #17437's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Stoughton Town Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.22% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | 1.29% | 15% |
| Member Growth | 0.63% | 15% |
| Loan-to-Share Ratio | 74.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.5M | 477 |
| 2024Q4 | $2.7M | 474 |
| 2023Q4 | $2.7M | 467 |
Credit Union Details
- Charter Number
- 17437
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Stoughton
- Data Quarter
- 2025Q4
What This Data Says About Stoughton Town Employees
Headquartered in Stoughton, Massachusetts, Stoughton Town Employees is a federal credit union with 477 members, $2.5M in total assets, and $1.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 95/100 (Excellent), driven in part by a net worth ratio of 12.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #17437 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.21% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 74.86% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.29% on net income of $32K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.63%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Stoughton Town Employees financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Stoughton Town Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.22% net worth ratio and 0.21% delinquency rate are the key drivers.
How does Stoughton Town Employees compare to other credit unions?
95/100 is Stoughton Town Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Stoughton Town Employees?
Stoughton Town Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Stoughton Town Employees directly to confirm current membership steps.
Is my money safe at Stoughton Town Employees?
Federal credit unions like Stoughton Town Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Stoughton Town Employees's net worth ratio of 12.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stoughton Town Employees offer compared to banks?
Credit unions like Stoughton Town Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Stoughton Town Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.